Group Insurance Scheme
We offer a Group Insurance Scheme designed to provide officers, police staff and their families with reassurance and financial support in the event of a claim, subject to the terms, conditions and limits of the policy.
Serving officers, police staff and Special Constables
If you are a serving police officer, member of police staff or Special Constable, ensure you and your loved ones are protected financially with membership to the Northumbria Police Federation Group Insurance Scheme.
For an affordable monthly premium of £28.50*, with the option to take out spouse cover for an additional £6.50* per month, our scheme** offers the following benefits to serving officers:
Life assurance
Sick pay insurance
Legal expenses
Motor breakdown
Personal accident insurance
Worldwide travel insurance
Mobile phone and gadget cover
GP on demand
Best doctors
Care first lifestyle counselling and support
Confidential counselling, physiotherapy, chiropractor and sports massage
Access to two holiday homes in Northumberland and the Lake District
* The premium includes Insurance premium Tax (IPT) and is correct as at [month, year]
** Eligibility criteria, cover limits, exclusions and policy terms apply. Please refer to the scheme booklet and application documentation for full details
Become a member today.
Want to top up your life assurance
Scheme members can choose from five simple options to increase their life cover:
£5.52 per month
offering an additional £50,000 cover
£8.20 per month
offering an additional £75,000 cover
£10.95 per month
offering an additional £100,000 cover
£12.25 per month
offering an additional £125,000 cover
£15.25 per month
offering an additional £150,000 cover
Add critical illness cover
Add critical illness cover to your insurance package:
From £3.50 per month
offering an additional £10,000 cover
From £5.25 per month
offering an additional £15,000 cover
From £7.00 per month
offering an additional £20,000 cover
Find out more about the critical illness cover.
Retired officers
Even after you have left the police family, you can still benefit from our group insurance scheme. Retired officers can become a member for £38.60* per month and add partner life assurance for an extra £11.60 *per month. Our scheme** offers the following benefits to retired officers:
Life assurance (up to 70 years of age)
Legal expenses
Motor breakdown
Worldwide travel insurance
Mobile phone and gadget cover
GP on demand
Best doctors
Care first lifestyle counselling and support
Confidential counselling, physiotherapy, chiropractor and sports massage
Access to two holiday homes in Northumberland and the Lake District
* The premium includes Insurance premium Tax (IPT) and is correct as at April, 2026
** Eligibility criteria, cover limits, exclusions and policy terms apply. Please refer to the scheme booklet and application documentation for full details
Group scheme policies
For more information on the cover provided for all members, please review our group scheme policies:
Group Insurance Scheme Full Schedule 26/27
Group Insurance Scheme Useful Contact Details
Addept Legal Expenses Policy
Addept Legal Expenses IPID
Millstream Travel Insurance Policy
Mobile and Gadget Policy
Mobile and Gadget IPID
Personal Accident and Sick Pay Schedule
Personal Accident and Sick Pay Policy
RAC Policy
RAC IPID
Are you ready to join?
If you would like to join the scheme, please click the link and complete the membership application form. Please also ensure you complete our group insurance beneficiary form to ensure we hold current and accurate information regarding your wishes in relation to the Death Benefit offered by the scheme.
